Zurich

Covers damage to the insured vehicle resulting from collision, rollover, fire, lightning, explosion and glass breakage. The insured sum corresponds to the vehicle's new or market value as stated in the Particular Conditions. Repairs are carried out to restore the damaged part to its pre-loss condition. An 'Autoproteção' variant requires the driver to have held a licence for more than 5 years.

Covers total loss of the insured vehicle resulting from collision, rollover, fire, lightning, explosion, theft, robbery or theft of use. Total loss is defined as disappearance of the vehicle or destruction when repair costs exceed 70% of the vehicle's market value at the date of loss, or when the vehicle has suffered damage severely affecting its safety conditions. Indemnification corresponds to the insured value at the date of loss, less the applicable deductible and salvage value. No deductible applies to this coverage unless otherwise agreed in the Particular Conditions.

Partial damage is damage caused to the insured vehicle resulting from a covered loss that is repairable and does not qualify as total loss (i.e., repair cost does not exceed 70% of market value). Repairs borne by Zurich are limited to the maximum indemnification amount applicable in the event of total loss. Covered under the own damage coverages (collision, fire, theft, natural perils, vandalism, etc.).

Covers losses or damage resulting from the disappearance, destruction or deterioration of the insured vehicle and its components (including electric vehicle charging cables) due to theft, robbery or theft of use (attempted, frustrated or completed). Where the vehicle disappears, Zurich pays the indemnification due 60 days after the report to competent authorities, if the vehicle has not been found. A deductible as declared in the Particular Conditions applies.

Covers costs of repair or replacement of windscreens, rear windows, lateral windows and essential accessories. Multiple tiers available: Base (up to insured capital per occurrence for panoramic windscreens/sunroofs, limited to 1 occurrence per year), Generic (up to €1,500 per break for panoramic elements, 1 occurrence per year), Brand (up to €2,500 per break for panoramic elements, brand glass, 1 occurrence per year) and Collection (up to insured capital, brand glass). No deductible applies to glass repair; a deductible of €50 applies to glass replacement under the Base tier (Condição Particular 828). Scratches, surface defects and aesthetic defects are not considered breakage.

Covers damage to the insured vehicle resulting from typhoons, cyclones, tornadoes, strong winds (when violence destroys objects/trees within 5km radius), water spouts, torrential rainfall (>10mm in 10 min), burst mains/drains/dikes/dams, floods, earthquakes, volcanic eruptions, tsunamis, underground fire, landslides, aircraft collision/fall and sonic boom damage. Territorial limit: Portugal Continental and Autonomous Regions unless otherwise agreed. A deductible applies as per Particular Conditions.

Two separate optional coverages: (1) Terrorism, Vandalism, Malicious Acts or Sabotage – covers damage resulting from terrorist acts, vandalism, malicious acts, sabotage or acts by legally constituted authorities on such occasions. (2) Strikes, Riots and Civil Commotion – covers damage (including fire/explosion) caused by persons participating in strikes, lock-outs, riots, mutinies and civil unrest, or by legally constituted authorities in response. Both are limited to Portugal Continental and Autonomous Regions. Zurich may cancel either coverage after a claim or alter premiums with 8 days' notice. A deductible applies.

Optional coverage providing roadside assistance to the insured vehicle and its occupants. Vehicle assistance includes towing/breakdown (up to limits in Particular Conditions), spare parts dispatch, vehicle repatriation, recovery of stolen vehicle and breakdown replacement vehicle in Portugal (up to 3 occurrences/year, max 5 days each, up to 2,000cc for passenger cars or 2,500cc for commercial vehicles). Persons assistance includes medical repatriation, hospital accompaniment, travel expenses, advance of funds and legal defence abroad. Territorial scope: vehicle assistance valid in Portugal, Europe and non-European Mediterranean basin; persons assistance valid worldwide (except certain benefits Portugal-only). Available in multiple tiers: Base (045), Complete (017), Master (034), Collection (035), Rental (019).

Provides an equivalent replacement vehicle while the insured vehicle is immobilised due to a covered loss. For accidents: up to 30 days per claim/year. For theft/robbery: up to 60 days per claim/year. For fire: up to 30 days. For other covered losses: up to 15 days. Maximum engine displacement: 2,000cc for passenger cars and 2,500cc for commercial vehicles. Zurich is not obliged to provide a vehicle of electric motorisation even if the insured vehicle is electric/hybrid. Vehicles must be collected and returned to the rent-a-car stations indicated by Zurich. Valid in Portugal Continental and Autonomous Regions (accidents abroad: coverage applies after repatriation to Portugal).

Two optional accident covers for vehicle occupants: (1) Occupants of the vehicle (Condição Especial 015) – covers all persons transported free of charge including the driver, for death, permanent invalidity, temporary incapacity, treatment expenses, repatriation and funeral expenses, worldwide. (2) Driver-only (Condição Especial 028) – covers only the driver at the time of the accident, same perils, worldwide. Indemnification capitals are set in the Particular Conditions. Death benefit is doubled if seatbelt use is proven. Permanent invalidity benefit is doubled when invalidity is 50% or more.